Westpac Altitude Platinum Card

The Westpac Altitude Platinum Credit Card is a great option for those seeking flexible rewards with a competitive annual fee for a platinum-tier card. One of its standout features is the elevated earn rate of up to 3 points per $1 spent with partnered brands like Qantas, Jetstar, Uber, and Spotify Premium. New cardholders can earn 90,000 bonus Altitude Points after spending $3,000 or more on eligible purchases within the first 90 days, plus an additional 30,000 bonus points after their first eligible purchase in the second year. If you take full advantage of the bonus offers, you could redeem the total 120,000 bonus points for $400 cashback. The Altitude Rewards program also gives you access to gift cards, merchandise, travel deals, and the ability to transfer points to frequent flyer programs like Velocity Frequent Flyer, Air New Zealand Airpoints, Asia Miles, and Singapore Airlines KrisFlyer. Note that you'll need to log into the Altitude Rewards portal to check the exact number of points needed for specific redemptions. Additional perks include complimentary overseas travel insurance and extended warranty protection on eligible purchases. In the first year, you'll benefit from a reduced annual fee of $99 for new cardholders, or just $49 if you're an existing Westpac customer. After the first year, the annual fee increases to $175, which is comparable to other platinum rewards cards. To get the most value, consider whether the rewards and benefits you’ll use justify the ongoing cost.